PMT(B4, B3, B2, 0),. In excel, the monthly repayment amount of the loan is: annual repayment amount (year-end): =PMT(B4, B3, B2, 0,). The loan amount will be affected by the borrower's repayment ability, personal credit situation, current debt situation, collateral value and other factors. The loan amount cannot be accurately calculated, but it can be estimated according to its repayment ability.